Principal Term life insurance. Affordable protection to help drive sales. Sales guide
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1 Principal Term life insurance Affordable protection to help drive sales Sales guide
2 Term insurance offers many advantages Target market Term insurance is ideal for individuals who need: To provide money for their loved ones or business partner so they can meet cash and income replacement needs. Life insurance coverage for a limited amount of time (proof of credit, business start-up, buy-sell agreement funding, key person). The highest death benefit protection for the lowest rates. To preserve their insurability now, with conversion options to permanent policies in the future (no new underwriting as long as the face amount remains the same). Competitive sweet spots Our Term policy is known to be most competitive for: Ages Non-Tobacco rates $1 million or greater death benefit We re also competitive for clients who are: Qualified at Standard and Super Standard rates Ages for 10- and 15-year contracts Looking for $2 million or greater death benefit Get rates 24/7 on the go Principal Term quotes are available anytime, anywhere on your mobile device using Principal Life Quote Edge SM. 1 Benefit from the speed and convenience of Principal Accelerated Underwriting SM Streamlined underwriting provides decisions in as little as 48 hours Use with Preferred and Super Preferred classes Eliminates lab testing and paramed exams 2 Policies paid and issued in 10 days or less Key features Lower-cost protection that can meet current business owner and individual insurance needs. Two conversion options for changing short- and long-term needs. Fast and easy underwriting programs, including Principal Accelerated Underwriting, Healthy Lifestyle Credits and more. Flexible policy riders, 3 including Accelerated Benefit, Children s Term, Conversion Extension and Waiver of Premium. 2
3 Basics Products available Issue ages/ underwriting classes 10-, 15-, 20- and 30-Year Term Non-Tobacco Tobacco 10-Year Term Year Term Year Term Year Term Non-Tobacco: Super Preferred, Preferred, Super Standard and Standard class, Tables 2-6 plus flat extras Tobacco: Preferred and Standard Age nearest birthday rates Minimum face amount $200,000 Death benefit options Risk classes 1 Level (face amount) Super Preferred Non-Tobacco Preferred Non-Tobacco/Tobacco Super Standard Non-Tobacco Standard Non-Tobacco/Tobacco Principal UnderRight SM Principal Accelerated Underwriting Healthy Lifestyle Credits (HLCs) Available riders Accelerated Benefit Children s Term Conversion Extension Waiver of Premium Two outstanding conversion options The need Term insurance can be the first step in helping your clients protect their financial futures. Offering protection they can afford today locks in their insurability, allowing them to potentially convert to a permanent policy in the future. This is beneficial because once they purchase a Term policy, their health may change (e.g., hypertension, heart disease, cancer, diabetes). Even 10 or 20 years later, they can still qualify for a Standard or better rate without additional underwriting requirements. How it works Our Term products can be converted to a variety of permanent products without additional evidence of insurability. Conversion is available up to the earlier of the end of the policy conversion period or attained age The Conversion Extension Rider is available to add to the policy to extend the conversion period. Minimum policy amounts at the time of conversion apply. The underwriting class of the permanent policy will be issued at the same or most comparable risk class of the original Term policy. Partial Term conversions are allowed, provided the remaining Term policy and the new policy both meet their respective minimum face amount guidelines. Two Term policies can be converted to one Survivorship Universal Life (SUL) policy. 4 3
4 See how we stack up against the competition 10-Year Term Preferred Non-Tobacco/$1 million face amount Company Male age 55 Company Female age 55 Principal $1,775 Principal $1,410 Lincoln National $1,775 Banner Life $1,415 John Hancock $1,779 American National $1,460 Banner Life $1,790 AXA Equitable $1,485 Pruco Life $1,855 Pruco Life $1,495 Protective $1,859 Transamerica $1, Year Term Super Standard Non-Tobacco/$1 million face amount Company Male age 55 Company Female age 55 Principal $3,290 Principal $2,445 Transamerica $3,290 Transamerica $2,450 American General $3,294 AXA Equitable $2,485 John Hancock $3,299 American National $2,490 American National $3,500 John Hancock $2,527 Pacific Life $3,545 Pruco Life $2, Year Term Preferred Non-Tobacco/$1 million face amount Company Male age 35 Company Female age 35 Principal $594 Principal $495 American General $594 Protective $511 Protective $595 Transamerica $530 John Hancock $599 United of Omaha $543 Pacific Life $615 Pacific Life $560 American National $640 American National $ Year Term Super Standard Non-Tobacco/$1 million face amount Company Male age 45 Company Female age 45 Principal $3,122 Principal $2,210 American General $3,124 Pacific Life $2,245 American National $3,140 American National $2,260 Pacific Life $3,175 Transamerica $2,270 Pruco Life $3,265 Brighthouse Life $2,319 United of Omaha $3,403 Pruco Life $2,365 Information is current as of March
5 Principal Term is competitive at the mid-band rates, too 10-Year Term Preferred Non-Tobacco/$500,000 face amount Company Male age 55 Company Female age 55 Principal $994 Principal $780 Banner Life $995 American National $790 American National $1,045 AXA Equitable $795 American General $1,069 American General $824 Transamerica $1,070 United of Omaha $828 AXA Equitable $1,075 Transamerica $ Year Term Super Standard Non-Tobacco/$500,000 face amount Company Male age 55 Company Female age 55 Principal $1,745 Principal $1,280 Banner Life $1,745 John Hancock $1,303 John Hancock $1,747 AXA Equitable $1,305 Transamerica $1,750 American National $1,320 American General $1,759 Pruco Life $1,365 American National $1,790 Pacific Life $1, Year Term Preferred Non-Tobacco/$500,000 face amount Company Male age 45 Company Female age 45 Principal $708 Principal $544 John Hancock $709 Lincoln National $548 American General $709 American General $564 Lincoln National $710 Transamerica $585 AXA Equitable $710 United of Omaha $593 Pacific Life $720 American National $ Year Term Preferred Non-Tobacco/$500,000 face amount Company Male age 45 Company Female age 45 Principal $1,228 Principal $905 Lincoln National $1,229 American General $909 Protective $1,232 American National $910 Pacific Life $1,235 Pacific Life $930 Transamerica $1,250 Pruco Life $960 American National $1,275 United of Omaha $978 Information is current as of March
6 Solutions that sell What does a policy from Principal offer your clients? See how it can be an ideal fit for personal and business protection needs in the following scenarios. Protecting future insurability Layering diversification strategy Objective: Provide financial security today while ensuring coverage for the future. Challenge: Find affordable coverage today with the flexibility to adjust to changing client needs in the future without the worry of insurability. Why term insurance? It can be the first step in helping your clients and their families secure their financial future. Provides a death benefit to meet their current needs. Allows them to qualify for life insurance based on their current health (before any health changes occur as they age). Gives your client future flexibility so that they can convert the Term policy to a permanent plan in the future without requiring insurability. Take action: Find the Principal Term life insurance policy that s right for your client. We offer face amounts as low as $200,000 and guaranteed periods of 10, 15, 20 and 30 years. Objective: Manage the cost of insurance while adding flexibility to match the product to the total death benefit needed. Challenge: Diversify clients insurance portfolios by using a combination of products to layer permanent policies with term insurance. Also, help offset costs while tailoring coverage to the clients specific death benefit needs. Why term insurance? Low premium outlay provides cost-effective funding and offers the following benefits: Flexibility to choose term period coverage based on current, more short-term needs. Cash-value accumulation potential with the permanent policy. Conversion privileges if needs change and additional death benefit coverage is needed beyond initial term period. 4 Take action: Review the Term and UL Flex II combination sales idea (BB12005). 6
7 Key person Agriculture business coverage Objective: Protect businesses if a key person/ employee were to leave or pass away, allowing the company to continue operating despite possible loss of revenue and increased expenses from recruiting and training new employees. Challenge: Obtaining a policy that can provide lowcost death benefit protection and provide peace of mind to the business owner. Why term insurance? Can effectively cover loss of revenue and increased expenses with a low-cost, tax-free death benefit. Allows the business owner to tailor the length of coverage based on the employee s estimated employment time. Offers a low-cost insurance solution for situations that may and will change in the future. Provides streamlined underwriting and a higher level of convenience to all. Objective: Plan for the future of the family farm or ranch and ensure the continuation of the business. Challenge: Farmers and ranchers put a tremendous amount of planning into every aspect of their operations, but many fail to plan for their own financial future. Why term insurance? It can play a critical role in the smooth transition of a farm or ranch, helping clients: Gain immediate coverage to not only protect their families, but to cover short- and long-term debts. Solidify their estate plan and enjoy the peace of mind of knowing they can convert to a permanent policy to better meet their long-term estate needs. Take action: Help your agribusiness clients find coverage to fit their needs today with Principal Term. Take action: Find what you need to help you turn this idea into results at principal.com/keyperson. Or review the Term key person sales idea (BB11997). 7
8 Let s connect Call the National Sales Desk today at , or your Life RVP. Visit us at advisors.principal.com. advisors.principal.com Principal National Life Insurance Company and Principal Life Insurance Company, Des Moines, Iowa Insurance products from the Principal Financial Group are issued by Principal National Life Insurance Co., (except in NY) and Principal Life Insurance Co., Des Moines, IA The data shown in product comparisons is taken from various company illustrations. Competitor information is current and accurate to the best of our knowledge as of March The comparisons in this communication are of different products which vary in fees, expenses, features and benefits. The comparisons cannot be used with the public. Principal National Life Insurance Company Policy Form: ICC17 SN 104, Rider Forms: SN 2, SN 3, SN 4, SN 5, SN 42 and SN 105 Principal Life Insurance Company Policy Form: SF 946 NY and SF 946 NY U, Rider Forms: SF 686 NY, SF 807 NY and SF 880 NY For financial professional use only. Not for distribution to the public. Not FDIC or NCUA insured May lose value Not a deposit No bank or credit union guarantee Not insured by any Federal government agency Principal, Principal and symbol design and Principal Financial Group are trademarks and service marks of Principal Financial Services, Inc., a member of the Principal Financial Group. BB /2017 t Principal Financial Services, Inc. 1 This tool does not provide a full policy quotation and is only intended to be used to show an initial quote. It is only available for quoting Principal Term products. 2 For 40-50% of applicants who qualify. Based on age, product, face amount and personal history. 3 Policy rider descriptions are not intended to cover all restrictions, conditions or limitations. See policy for full rider details. Product and riders are subject to state availability. Additional costs may apply to some riders. 4 We currently offer the conversion of two Term policies to one SUL policy. Conversion is allowed up to twice the face amount of the smaller of the two term policies. This conversion option to a SUL is only valid provided Principal offers an SUL at the time of conversion.
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